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. what has struck me in the 25 years i have known the man who will return to being joseph ratzinger, is the simplicity of his soul. this is a thoroughly convinced christian believer who happens to be one of the smartest people in the world who speaks six or seven languages with complete flewency, who knows the history of biblical religion from "a" to "z." who never wanted to be an executive, a manager, who always thought of himself primarily as a scholar. but who somehow could translate all of that learning into beautiful simplicities about god's love for the world and for god's people. >> and, george, even as we honor the service of this pope, we look forward to the election of a new pope. and tell us about this process. i mean, is this a sort of thing where, for lack of a better term, there are front-runners? >> there will be an enormous amount of ink spilled in the italian press over the next two weeks about front-runners. most of that would be silly. there are a number of cardinals who fit what would seem to me to be the profile. first of all, a man in full physical vigor. that
, after eight years, formal cardinal joseph rat ratzinger retires as pop. as we continue to see what the conclave will do as we search for his successor as the entire world watches what is happening with him. >>> got some breaking news out of the new york fed. a hard right turn here to steve liesman. >> why does this always happen to me, carl? >> hard to follow the pope, my man. >> exactly. let me do my best. the new york fed reporting that total consumer indebtedness rising a scant 3% to 11.3 trillion. housing debt was flat. it was a small gain but the first gain we've seen since the first quarter of 2011, that was thought to be a bit of a statistical anomaly. so maybe this is the first real gain. let me show you what rose. auto loans up 15 billion. credit cards up 5 billion. the perennial student loans up 10 billion and they have been rising quite a bit. delinquencies are quite high. all delinquencies declined except for student loans and they were up almost 12% and probably because of a whole bunch of different reasons, carl, they could be twice as high as that. carl, back to you.
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